Breakfast at Timothy's - A blog looking at different areas of later life mortgages & equity release


Hello, and welcome to Breakfast at Timothy's, a blog looking at different areas of later life mortgages and equity release. My name is Tim Spencer, the Managing Director of Optimus Mortgages Ltd. and I believe that financial solutions should be made simple for everyone. I started working in the Financial Services industry in the 1990s and I have a wealth of experience in helping clients work towards financial freedom. I set up Optimus Mortgages Ltd in 2016 as I am passionate about helping people, just like you, understand the regulated financial products that are currently available. I specialise in later life financial solutions for clients who are looking to make use of the equity within their property, but I also help clients with their residential mortgage and buy to let mortgage needs.


There are many stigmas attached to "equity release", and I have heard my fair share of horror stories from the past, but I am here to allay any concerns and bring you the latest information on products which I trust.

I like to sleep at night knowing our clients are happy, so here are my promises to you:

· Optimus Mortgages Ltd are not tied to any lender - We work for you

· We will explore all the alternatives to any finance with you

· We won't charge you a penny for our time if you don't take any finance we recommend

· We will only recommend you take finance where it is in your best interest to do so

To arrange your consultation, please email enquiries@optimusmortgages.co.uk, or call us on 03330 067783.

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